I can understand the app requirement, actually. Better than what the US banks initially did, which was to open themselves up to social engineering and make AP even more fraud prone than swiping. Though they seem to be mostly using one time codes sent via SMS now and not an app.
Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Apple Pay Coming to Canada's Banks Starting With RBC and CIBC Today
- Thread starter MacRumors
- Start date
- Sort by reaction score
I can understand the app requirement, actually. Better than what the US banks initially did, which was to open themselves up to social engineering and make AP even more fraud prone than swiping. Though they seem to be mostly using one time codes sent via SMS now and not an app.
I haven't actually bought anything with Apple Pay but I deleted the RBC Wallet after verification and the cards still list as being usable so I hunk it's probably fine. Pretty sure it's just to add a sign in step to make sure that you didn't just steal someone's debit card. Once that's done you're pretty much good to go.
[doublepost=1462894215][/doublepost]
I literally installed that app, verified my cards, and then deleted it, took 10 seconds. I do wonder why the normal RBC app I actually use couldn't do the job but whatever. It's not like you have to actually use their app for Apple Pay, just to verify that you actually own the cards which seems like a decent step.
Great news except my bank isn't on board yet but at least this paves the way. Tangerine, get your act together!
Last edited by a moderator:
CIBC asked if I wanted the verification number sent to my email or if I wanted to contact them by phone. I took the verification number by email BUT had to be on a WiFi connection to actually get the verification number to work (it wouldn't allow the final verification part through the cellular network) - anyway, up and running.
Also, I thought it strange that I need to be signed into iCloud to keep my Apple Pay cards active - sign out of iCloud and Apple Pay disappears, why is that?
Last edited:
One of the main benefits is that it anonymizes your transactions so if there's a data breach the thieves get no usable info about you. Remember the Home Depot breach a few years back? If Apple Pay had been available at the time anyone who had used it would have had nothing to worry about while the rest of us had to (or should have, even if one chose not to) get new cards issued and sign up for a credit-monitoring service (which Home Depot paid for).
Your chip on your card already sends a one time activation code to the merchants which is worthless to hackers.
It says you're from Canada though, so I'm not sure if you're talking about the U.S or Canada.
Last edited by a moderator:
You don't need the RBC App - instead you can phone RBC to verify your card with Apple Pay.
Apple Pay gives you the two verification choices.
Apple Pay gives you the two verification choices.
You have to login to the app with your usual RBC user/password, then a screen pops up in the app to activate the card
Just wondering if you tried this with success. I didn't want the RBC wallet app so I called. It tells you to install the app. At least that was my experience.
To be fair, though, it's not really the retailer that does the actual hardware support. When I buy something at a retailer and swipe my card, the machine they pass me is made by Moneris, or one of a half dozen other financial companies that provide merchant services and hardware. So it's not "Pizza Hut doesn't want to support contactless payments", it's "XYZ ServicesCo needs to support contactless payments" or "Pizza Hut would need to switch over all their payment hardware to ABC PaymentCo". Also, we're 1/10th the size of the US so things don't take quite as long to roll out.
I do like using tap-and-pay systems from Interac and my credit cards. It's almost too easy... but half the time the tap system doesn't work anyway.
But still, this makes the user experience of Pay worse by having the customer need to go to the App Store, download the app, run it, and then delete it, simply for the purpose of doing something that the built-in Wallet app and Pay are capable of doing? This is the anti-thesis of better user experience.
Apparently people who have tried the phone-in method get prompted to download the app, so this is not a good customer experience move by RBC, no matter how you try and rationalize it, because the built-in Wallet app can do the verification if the backend is setup correctly, like the AMEX system. Verification there is straight forward and simple, and efficient.
Just to clarify, it's a double click on the lock screen or even before you wake the device.
What is the big deal? Download the app, verify the card, then delete it. Or keep the app to check your balances..
To be honest, I don't know any one that uses "boot" instead of "bout"...
You're obviously not getting the whole point behind Pay, slick, simple and fast user experience. This "requirement", which is artificial, detracts from that user experience ethos. Also, I wonder what other data that stupid "RBC Wallet" app tries to aggregate from the device while purporting to just verify a card...
The extra step is annoying yes, but you only have to do it once, it's not like you have to do it every time you pay.
I'm really excited for this, Interac/Visa/MasterCard are much more available in Canada than American Express. I've successfully added CIBC debit and credit cards to my phone and watch, but for whatever reason, in-app Apple Pay is not supported for these cards on iPad (Amex has always worked here).
It boggles my mind why people are defending, or attempting to rationalize, this unnecessary step? You want to go thru the extra steps when it's not necessary? Why?
Why would one choose to accept extra red tape on your device when it's not needed? The whole point of Apple is simplification, not over-complication...
And you obviously don't get the whole idea of verifying a card. They are doing it to protect you. Don't like it, don't use Apple Pay.
[doublepost=1462897773][/doublepost]
It boggles my mind that you actually have an issue with it. Don't want to deal with it, use your cards and leave the phone at home.. Apple/RBC is doing it for your safety. Deal with it.
security, so that you can disable them remotely if the phone is lost.
His point, and I get it, is that there's already a secure, reliable means of verification without using the RBC app. RBC has chosen to put in an artificial barrier in the process. While it's not a huge barrier, it's still there when it doesn't need to be.
But this is RBC; I just went to their web site after reading the article and the whole site is a convoluted mess.